First National Bank

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First National Bank
13315 U.S. Hwy 301
Dade City, FL 33525
Phone (352) 521-0141
Toll Free for Dade City Office (888) 239-4652
Fax (352) 567-1777
Telephone Banking (352) 521-0035 (Infoline)
Outside Pasco County (800) 407-6563 (Infoline)

For more than 20 years First National Bank has served as the hometown bank of Eastern Pasco County. Chartered in 1986, First National is Pasco County’s oldest community bank. When the bank opened its doors for business it had two offices, one in Dade City and the other in Zephyrhills. A third office was established in 1999 also in Zephyrhills.

First National Bank is a wholly owned subsidiary of Florida Bancshares, Inc.. This one bank financial holding company is committed to meeting the needs of our two communities. We pride ourselves on being a friendly hometown bank, offering both high tech and high touch banking. Our officers and employees continue to maintain their dedication to exceptional customer service and being involved in the local community. As your neighbor, we know the products you need and the service you expect. We are truly a home owned, home operated community bank.

We have the mortgage loan products to meet your every need, whether you are building a new house, buying an existing one, or refinancing your current home. Loans for residential investment properties are also available. One of our specialties are “Bridge” loans where you use the equity in your current home to purchase your next home. This means you only have to move once and usually results in lower closing costs! Please contact Sandy Calzon or Angela Miller at (352) 521-5832 or e-mail: Sandy Calzon at: scalzon@fnbpasco.com for more information on any of our competitive products.

Select A Mortgage Loan To Fit Your Financial Situation. Before you apply for your mortgage loan, you'll need to decide which type of loan may be right for you.

Conventional Loans have a fixed rate and monthly payment for the entire life of the loan. It's easy to budget for this type of loan because your payment will always be the same. The rate on a conventional mortgage loan is generally higher than an adjustable rate mortgage.

Adjustable Rate Loans usually start with lower rates than conventional loans. We'll let you know how much the rate can be adjusted over the life of the loan, so you'll know from the beginning the absolute maximum amount you would ever have to pay. If you will be moving in a few years, or if you think interest rates will be going down, you'll want to consider an adjustable rate since monthly payments may be lower.

FHA Loans offer lower interest rates, require a relatively small down payment, and are insured through the Federal Housing Administration.
Once you know approximately how much home is in your price range, use the guide below or our convenient Mortgage Loan Calculator to estimate your monthly payments based on the principal and interest. Closing costs are normally paid in a lump sum at the time you take out the loan. Other annual costs such as taxes, insurance and mortgage life insurance are also not included on the chart, but may be added to your monthly payments.